Clarity over cleverness
Plain words, visible fees and numbers you can check. If a screen needs a glossary, we redesign the screen.
About Elvaris
We're building the bank we always wanted
Elvaris started with a simple idea: banking should feel calm, clear and genuinely on your side.
New York · 40.71° NLisbon · 38.72° N
Most people don't hate their bank because of one big problem. It's a thousand small ones: fees, waits, jargon. We set out to remove every one of them.
Our story
Five years of small fixes
We never set out to reinvent money. We just kept fixing the parts that made people sigh, one release at a time.
2021
Three people, one blank page
Two engineers and a designer left their jobs in New York to sketch a bank that explains itself, starting with a single checking account.
New York2022
Lisbon, and a launch
We opened a studio in Lisbon and shipped the first Elvaris app to everyone on the waitlist, one invite at a time.
Lisbon2023
The Sky Card takes off
Our first card arrived with 2% back on everything, no annual fee and no foreign transaction fees.
Sky Card2024
Half a million members
Word of mouth did most of the work. We passed 500,000 members and kept the median support reply under two minutes.
500k members2025
Elvaris Business
Operators asked for the same calm at work, so we built accounts, cards and payments for small teams.
Business2026
1.2 million and counting
Today more than 1.2 million people bank with Elvaris across the app, the card and the web.
1.2M+ members
What we believe
Four values we actually use
They settle debates, shape the roadmap and decide what we leave out.
Your money's on your side
We don't earn when you slip up. No overdraft traps, no surprise charges and no fine print written to catch you out.
Craft in every detail
We sweat the small parts: the receipt that names the real merchant, the transfer that tells you when it lands.
Calm by default
Elvaris stays quiet until something is worth saying. Alerts are rare, clear and always come with a next step.
Team
The people behind Elvaris
A small leadership team split between New York and Lisbon, with strong opinions about receipts.
Lena Hartmann
Co-founder & CEO
New York
Tomás Ribeiro
Co-founder & CTO
Lisbon
Aiko Sato
Head of Design
New York
Marcus Bell
Head of Risk
New York
Nadia Haddad
Head of Support
Lisbon
Owen Fitzgerald
Engineering Lead
New York
Sofia Lindqvist
Brand Lead
Lisbon
Kwame Mensah
Product Lead
Lisbon
Illustrative: these profiles are placeholders, not real team members.
Offices
Two cities, one handoff
New York and Lisbon sit five hours apart, so when one studio signs off, the other is already on.
New York
United States
Engineering, risk and the night support shift.
- Address
- 88 Lantern Street, 5th FloorNew York, NY 10013
- Time zone
- Eastern Time (UTC−5)Studio hours 9:00–18:00 ET
Lisbon
Portugal
Design, brand and the morning support shift.
- Address
- Travessa do Céu Azul 121100-150 Lisboa
- Time zone
- Western European Time (UTC+0)Studio hours 9:00–18:00 WET
Careers
Want to help?
We're a small team that cares about the details most banks skip. If that sounds like your kind of work, we'd like to meet you.
- New York
- Lisbon
- Remote across ET and WET
Ready for a calmer way to bank?
Open an account in minutes. No minimum balance, no monthly fees, and a real person whenever you need one.